Churches need insurance to protect them from unforeseeable circumstances such as weather damages, property damage or liability issues. However, as nonprofit organizations, churches rely on donations from their members to pay for this necessity. That’s why it’s even more important for church leaders to make sure they are getting their money’s worth when the time comes to file a claim.
Church Property Damage Claims
Religious leaders often seek out church insurance companies, believing that these companies will have the church’s best interests at heart. Unfortunately, this is not always the case. Many church insurance companies will not hesitate to take advantage of a trusting religious leader who has faith that his insurance provider is there to help. The cold, hard truth is that insurance companies, even those who predominately serve churches, are still businesses focused on generating profits – profits they can maximize by making sure they’re getting more money from your premiums than they’re paying out in claims.
Signs of Bad Faith Insurance
If you’re filing a claim, keep an eye out for these signs that your church insurance company is acting in bad faith:
- Delayed responses to claims
- Unjustified denied claims
- Delays in paying claims
- Cancellation of policy following a claim
- Defending claims denials with ambiguous contract language
- Failure to properly represent coverage
Don’t let your insurance company manipulate you into taking a lower settlement than you deserve. A qualified insurance attorney can help you receive fair compensation for your congregation. The Byrd Law Firm has experience in representing church property damage litigation.
Church insurance attorney Jason Byrd is dedicated to helping religious institutions get fair settlements for their claims. If you believe your church insurance company has acted in bad faith, contact The Byrd Law Firm at (409) 924-0660.